Rising health insurance costs have led employees to drop employer-based plans, with average contributions rising to $6,850 in 2025. Employer plan participation fell from 64% in 2020 to 61% in 2025. Cheaper alternatives often have high deductibles and exclude pre-existing conditions. Uninsured adults face more medical debt and payment issues. Projections indicate 14 million more uninsured by 2034 due to policy changes.
Rising health insurance costs have led employees to drop employer-based plans, with average contributions rising
Premiums are monthly coverage payments, often taken from paychecks for job-based plans, and separate from
Eligible small businesses can offset a major share of employee health premiums, helping manage benefit
Gig work is a primary income source for >10% of US workers, and >50% of
Portable benefits reforms allow independent workers to receive flexible, portable benefits like health insurance and
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